Shares, Checking, Certificates, IRAs and Money Market Accounts
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance | Minimum to Open |
|---|---|---|---|---|
| Intelligent Checking Qualifying $0—$25,000 |
2.472% | 2.500% | $0.00 | $0.00 |
| Intelligent Checking Qualifying $25,000+ |
0.995% | 1.000% | $0.00 | $0.00 |
| Intelligent Checking Qualifying Non-Qualifying |
0.050% | 0.050% | $0.00 | $0.00 |
| Interest Checking | 0.050% | 0.050% | $0.00 | $0.00 |
| Regular Shares (Savings) | 0.050% | 0.050% | $100.00 | $5.00 |
| IRA Shares | 0.300% | 0.300% | $25.00 | $0.00 |
| Roth IRA Shares | 0.300% | 0.300% | $25.00 | $0.00 |
*Fees could reduce earnings on this account. Rate may change at any time after account is open.
| Term | Interest Rate | Annual Percentage Yield (APY) | Member Perks Rate | Member Perks APY |
|---|---|---|---|---|
| 3 Month | 1.541% | 1.550% | 1.791% | 1.803% |
| 6 Month | 1.788% | 1.800% | 2.038% | 2.054% |
| 12 Month | 1.887% | 1.900% | 2.137% | 2.154% |
| 24 Month | 2.526% | 2.550% | 2.776% | 2.805% |
| 36 Month | 2.673% | 2.700% | 2.923% | 2.955% |
| 60 Month | 3.016% | 3.050% | 3.266% | 3.306% |
* Fees could reduce earnings on these accounts. Rates may change at any time after account opening.
| Term | Interest Rate | Annual Percentage Yield (APY) | Member Perks Interest Rate | Member Perks APY |
|---|---|---|---|---|
| 3 Month | 1.541% | 1.550% | 1.791% | 1.803% |
| 6 Month | 1.788% | 1.800% | 2.038% | 2.054% |
| 12 Month | 1.887% | 1.900% | 2.137% | 2.154% |
| 24 Month | 2.526% | 2.550% | 2.776% | 2.805% |
| 36 Month | 2.673% | 2.700% | 2.923% | 2.955% |
| 60 Month | 3.016% | 3.050% | 3.266% | 3.306% |
* Fees could reduce earnings on these accounts. Rates may change at any time after account opening.
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance | Minimum to Open |
|---|---|---|---|---|
| $0—$999 | 0.050% | 0.050% | $1,000.00 | $1,000.00 |
| $1,000—$9,999 | 0.050% | 0.050% | $1,000.00 | $1,000.00 |
| $10,000—$49,999 | 0.100% | 0.100% | $10,000.00 | $1,000.00 |
| $50,000—$99,999 | 0.150% | 0.150% | $50,000.00 | $1,000.00 |
| $100,000+ | 0.150% | 0.150% | $100,000.00 | $1,000.00 |
Fees could reduce earnings on these accounts. Rates may change at any time, including after account is opened.
Auto, Motorcycle, Boat, RV, Personal, Home Equity Line of Credit and Credit Cards
| Loan Type | APR | Payment Schedule | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|
| 2015 & Newer | 3.69% - 16.34% | up to 60 months | $18.27 - $24.50 |
| 3.94% - 16.99% | up to 72 months | $15.62 - $22.10 | |
| 4.44% - 7.49% | up to 84 months | $13.87 - $15.33 | |
| 2011 — 2014 | 3.99% - 16.64% | up to 60 months | $18.41 - $24.66 |
| 4.24% - 17.29% | up to 72 months | $15.76 - $22.41 | |
| 4.74% - 7.79% | up to 84 months | $14.10 - $15.48 | |
| 1999 - 2010 | 5.19% - 17.84% | up to 66 months | $17.45 - $23.89 |
* APR = Annual Percentage Rate. Actual rates depend on member credit qualifications, including term of loan, age of vehicle, credit and employment history.
| Loan Type | APR | Payment Schedule | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|
| 2017 — 2019 | 4.74% - 17.34% | up to 60 months | $18.75 - $25.04 |
| 5.94% - 18.14% | up to 120 months | $11.07 - $18.11 | |
| 6.44% - 18.64% | up to 180 months | $8.68 - $16.57 | |
| 2016 & Older | 5.24% - 17.84% | up to 60 months | $18.98 - $25.31 |
| 6.44% - 18.64% | up to 120 months | $11.32 - $18.43 | |
| 6.94% - 19.14% | up to 180 months | $8.95 - $16.93 |
* APR = Annual Percentage Rate. Actual rates depend on member credit qualifications, including term of loan, age of vehicle, credit and employment history.
| Loan Type | APR | Payment Schedule | Payment Per $1000 Borrowed |
|---|---|---|---|
| Personal Loans | 9.99% - 19.99% | up to 48 months | $25.36 - $30.42 |
*APR = Annual Percentage Rate. Rate is variable and may change. Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.
| Loan Type | APR | Index / Margin |
|---|---|---|
| Personal Access Line of Credit | 12.00% Variable | Prime Rate | 5% |
| Share/Certificate Secured | Variable | Share/Certificate Rate | 3% |
| Loan Type | APR | Fixed or Variable Rate | Index | Margin | Annual Fee |
|---|---|---|---|---|---|
| up to 80% Home Equity Line of Credit | 4.75% - 6.25% | Variable | Prime Rate | -.25% - 1.75% | $35 |
| 85% Home Equity Line of Credit | 5.50% - 7.50% | Variable | Prime Rate | .50% - 2.50% | $35 |
| 95% Home Equity Line of Credit | 6.25% - 7.25% | Variable | Prime Rate | 1.25% - 2.25% | $35 |
* APR = Annual Percentage Rate. Actual rates depend on member credit qualifications including credit and employment history, and amount of equity in the property. The current Wall Street Journal prime index rate is 5.00%. We add a margin to the index to determine the actual interest rate. The minimum APR is 3..75% The maximum APR is 15.00%. Rates for fixed term conversions taken against the line range from 5.25% APR to 8.25% APR. Loan Costs: Range between $155 and $1,500 to cover third party costs, and are paid by the borrower. Learn more about Home Equity.
| Loan Type | APR for Purchases | APR for Cash Advances |
|---|---|---|
| Visa Platinum | 8.99% - 18.99% | 8.99% - 18.99% |
| Visa Platinum Rewards | 10.99% - 19.99% | 10.99% - 19.99% |
* APR = Annual Percentage Rate. The current Wall Street Journal prime index rate is 5.00%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Visa Platinum Information | Visa Platinum Rewards Information.
Refinance, Purchase and special Government, Teacher and First Responder Options
* The Annual Percentage Rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 7/1, 10/1 Adjustable Rate loans are calculated based on a purchase/refinance of single family, owner occupied residence with a down payment or existing equity of 40%, a loan amount less than $484,350.00 and a property located in Clark Co, WA.
The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $845.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.
Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 720 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
© 2019 iQ Credit Union
If you use links provided on this iQ Credit Union web site to third party Internet sites and services, you acknowledge that you are leaving iQ Credit Union's website and are going to a website that is not operated by the credit union. iQ Credit Union is not responsible for the content or availability of linked sites. iQ Credit Union does not represent either the third party or the member if you enter into a transaction; and privacy and security policies may differ from those practiced by the credit union.
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